A better night’s sleep shouldn’t have to wait. With Snap Finance, you can lease-to-own a mattress and enjoy comfort now while paying later. 

• Discover the types of mattresses you can lease-to-own.
• Learn how Snap’s lease-to-own financing process works.
• See why lease-to-own can be a simpler, more accessible alternative to traditional financing.

A quality mattress doesn’t just affect how comfortably you sleep at night. It impacts your energy, focus, and overall health during the day. Poor sleep can contribute to back pain, fatigue, and even long-term health issues, while restful nights set the foundation for productivity and well-being.

The problem is that mattresses aren’t cheap. A quality mattress can cost anywhere from $800 to over $2,000, depending on the brand, size, and features. For many families, that kind of expense all at once just isn’t practical, especially if the need for a new mattress comes up suddenly.

Fortunately, Snap Finance can help. With Snap’s lease-to-own financing, you can bring home the mattress you need today and pay for it over time. Skip the strain of a big purchase all at once and choose a simple, scheduled way to make it yours.

What types of mattresses can you lease with Snap?

One of the biggest advantages of Snap Finance is the variety of retailers you can shop with. From first-time mattress buyers to those looking for an upgrade, you’ll find plenty of options to match your needs.

Here are some of the mattress types you can bring home with Snap.

• Memory foam mattresses – Known for contouring to your body and reducing pressure points, these mattresses are a popular choice for side sleepers and anyone seeking full-body support.
• Hybrid mattresses – A mix of innerspring coils and foam layers, hybrids offer both bounce and pressure relief. They’re ideal for couples with different sleep preferences.
• Innerspring mattresses – A classic, durable option with strong support, often at a lower price point than foam or hybrid models.
• Pillow-top mattresses – Added cushioning on top for a plush feel, great for those who like a soft, cloud-like surface.
• Gel mattresses – Designed to keep you cooler at night, making them perfect for hot sleepers.
• Adjustable bases – For customizable comfort, adjustable bed frames can raise your head, feet, or both to support better rest and reduce snoring.

Snap also makes it possible to lease more than just a mattress. You can finance mattress-and-foundation combos, bed frames, or complete bedroom sets. And no matter what size you’re looking for – twin, full, queen, king, or California king – Snap partners with retailers that carry the options you need.

How lease-to-own mattress financing works

If you’ve never used Snap’s lease-to-own financing before, the process is simple. Here’s how it works:

1. Find a store online or near you. Use Snap’s Store Locator to select a participating mattress retailer.
2. Apply online or in-store. Snap’s application takes just a few minutes, and you’ll receive a decision in seconds.
3. Access up to $5,000 in lease-to-own financing.¹ If approved, you can start shopping right away.
4. Snap pays the store, you make payments to Snap. The store gets paid upfront, and you can take your mattress home the same day.
5. Make convenient payments over time. Payments are automatically aligned with your paydays, so they’re easy to manage.
6. Own your mattress at the end of the lease. Once your lease agreement is fulfilled, the mattress is yours to keep.

 Lease terms run 12–18 months, but Snap also offers an early ownership options if you want to save on overall lease costs.² Here’s a breakdown of how that works:

Early ownership options (lower costs)²
Customers can save significantly on their cost of lease by making all regular payments on time and paying the required amount before the end of the maximum term, including any early buyout promotions. Customers must schedule an early ownership option.²

And unlike traditional financing, no credit is needed to apply. Snap works with shoppers of all credit types, making it accessible to more people.³

When leasing a mattress makes sense

Not everyone has the budget or the time to save up for a new mattress, and that’s where mattress lease-to-own financing can be a lifesaver. Here are a few real-life scenarios when it makes sense.

• Replacing an old or worn-out mattress. If your current mattress is sagging, lumpy, or causing you pain, waiting months to save up isn’t an option. Lease-to-own helps you upgrade right away.
• Moving to a new home or apartment. A move often comes with new furniture needs, and a mattress is often at the top of the list. Lease-to-own can ease the stress of furnishing a new space.
• First-time mattress shoppers. Young adults, college students, or anyone moving out on their own for the first time might not have the cash for a new mattress upfront. Lease-to-own makes that transition easier.
• Emergency replacement. Spills, water damage, or even bed bugs can suddenly make your mattress unusable. Lease-to-own means you’re not stuck sleeping on the couch while you save up.
• Upgrading for better sleep. Maybe you’re ready to switch from a basic mattress to one with more support or cooling technology. Lease-to-own helps you access quality upgrades without financial stress. 

Lease-to-own vs. other mattress financing options

When people think about financing a mattress, credit cards or store-branded financing often come to mind. But these options aren’t always the best fit, especially if you’re working with a tight budget or less-than-perfect credit.

Here’s how lease-to-own with Snap compares:

• No credit? No problem. Applying with Snap won’t impact your FICO® score, unlike many store cards or personal loans.³
• No revolving balance. Credit cards let you carry a balance indefinitely, which can trap you in an ongoing cycle of payments. With Snap, your payment schedule has a clear end date, so you always know when it will be paid off.
• Accessible to more shoppers. Traditional financing often requires good to excellent credit. Snap looks beyond credit scores, taking a fresh approach to creditworthiness.³
• Clear, transparent terms. With Snap, you know your payment schedule and ownership options upfront – no surprises or hidden fees.

In short, lease-to-own financing is designed to be a simple, straightforward alternative to traditional credit. It removes many of the barriers that keep people from accessing the comfort they deserve.

Rest easy with Snap Finance

A good night’s sleep shouldn’t be out of reach just because a mattress comes with a hefty price tag. With lease-to-own financing through Snap Finance, you can get the mattress you need without the wait and without draining your savings or relying on credit cards.

Whether you’re replacing an old mattress, moving into a new place, or finally upgrading to something more supportive, Snap makes it possible to rest easy now and pay later. Apply now to get started. 

Shopping for big-ticket items doesn’t have to be stressful. Check out these Snap resources to make shopping easier and your budget happier:

• How to stop comparing your finances – and start thriving
• Why being financially prepared matters – and how to start today
• Debt repayment strategies – Which is right for you?

The advertised service is a lease-to-own agreement provided by Snap RTO LLC. Lease-to-own financing is not available to residents of Minnesota, New Jersey, and Wisconsin.

¹Approval amounts vary from $300 to $5,000, subject to underwriting, and apply only to the cash price of leased items.
²The default payment plan is the Maximum-Term Plan, which includes 12- to 18-month renewable terms and is your highest cost option. To exercise an early ownership option, including any early buyout promotions, you must make all regular payments on time and ensure the required amount is paid within the applicable timeframe through the customer portal or by contacting Customer Care at 1-877-557-3769. Early buyout promotions may include a cost of lease above the merchandise price. For details and limitations, including relating to applicable early ownership options, refer to your lease agreement.

³Not all applicants are approved. While no credit history is required, Snap obtains information from consumer reporting agencies in connection with applications, and your score with those agencies may be affected.